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Cleveland city, TX

ZIP 77328 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 77328

Median Home Value
$169,200
Median Rent
$912
Affordability Snapshot
$47,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,087/mo PITI).

19%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

15.5 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 77328 in Cleveland city, TX, a household would need roughly $47,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,087. That sits below the local median household income ($57,725), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
77.8%+19% vs US avg
x
Vacancy Rate
12.6%+22% vs US avg
x
Broadband Access
85.8%-1% vs US avg
x
4+ Bedrooms
2.3%-84% vs US avg
x
Built Pre-1939
3.4%-74% vs US avg
x
Built Post-2014
4.8%-31% vs US avg
x
Rent Burden >30%
1.8%-96% vs US avg
x
Mortgage-Free
57.4%+50% vs US avg
x
$169,200
Home Value
$912
Rent
2000
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached66.4%
  • 1-unit attached1.9%
  • 2-9 units1.0%
  • 10+ units0.2%
  • Mobile home & other30.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$169,200
Median rent$912
Owner-occupied77.8%
Vacant12.6%
Price-to-income2.9x
Est. income to buy$47,000